🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 06791

Harwinton, Connecticut

6.1out of 10
High Risk

Risk Summary for ZIP 06791

ZIP 06791 scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Hurricane Landslide

All 18 Hazard Scores

Hurricane
9.1
Avalanche
9.1
Landslide
8.5
Ice Storm
8.4
Earthquake
7.1
Winter Weather
5.7
Cold Wave
5.6
Strong Wind
5.5
Lightning
5.4
Tsunami
5.4
Hail
5.1
Volcanic Activity
5.1
Tornado
5.0
Coastal Flooding
4.9
Drought
4.8
Wildfire
4.7
Extreme Heat
4.0
Riverine Flooding
1.0

How it compares

ZIP 06791
6.1
Connecticut avg.
6.8
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 06791, Connecticut

ZIP 06791 in Harwinton sits along the northeastern Atlantic Seaboard. Its humid continental climate produces cold winters, warm summers, and four well-defined seasons, and notably nor'easter storms and coastal flooding in winter. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 06791 carries an overall risk score of 6.1/10, placing it in the high category. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. The area also faces notable exposure to hurricane and landslide.

Within Connecticut, ZIP 06791's risk is, slightly below the 6.8/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Connecticut identifies avalanche as the foremost hazard, followed by hurricane and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 06791's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for ZIP 06791: Avalanche preparedness

  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.

Risk for the surrounding area

Local Factors for ZIP 06791

These city-level factors differentiate ZIP 06791 from other communities in Connecticut County and provide geographic context for its hazard exposure.

Population

5,602

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 41.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 4.7/10

Coordinates

41.7551Β° N, 73.0584Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 06791

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

Nearby ZIP codes

Other cities in Connecticut

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.